Customer Friendly Principles and Practices of Financial Management

Please answer the questions below to find your Customer Friendly Summary.

Q1. Do you have a with-profits policy that was issued by Scottish Mutual?

NO: You are on the wrong page.
YES: Go to Q2.

Q2. Are you currently drawing a pension from a contract in your own name described as a With Profit Annuity?

NO: Go to Q3.
YES: Go to: A guide to how we manage With-Profit annuities

Q3. Is your contract described as a Triple Bonus Bond?

NO: Go to Q4.
YES: Go to: A guide to how we manage our Triple Bonus Bonds

Q4. Does your annual statement refer to the number of units you have?

NO: Go to Q6
YES: Go to Q5

Q5. Are your units described as "Smoothed Income" or "Smoothed Growth" units.

NO: Go to: A guide to how we manage units in our With-Profits Fund
YES: Go to: A guide to how we manage units in our Smoothed Investment Funds

Q6. Is your policy a Pensions plan?

NO: Go to: A guide to how we manage conventional life policies in our With-Profits Fund
YES: Go to Q7

Q7. Are you a Trustee of your company’s defined benefits/final salary scheme and the scheme invests in Scottish Mutual’s With Profits Fund?

NO: Go to: A guide to how we manage conventional pension policies in our With-Profits fund
YES: Go to: A guide to how we manage group pensions policies in our With-Profits Fund